Savings Account Options  / Personal Savings Account

Frost Savings Account

The Frost Savings Account is the perfect way to start building good savings habits. It’s a safe place for an emergency fund or to begin bucketing funds as you’re saving for different goals.

0  monthly service charge when you meet any one of the following:
  • Maintain a $100 minimum daily balance in this account
  • One account owner is under age 25
  • Own a Frost Plus Account or Frost Premium Account
  • Deposits totaling $10 or more made to this account monthly

OR

3.50  monthly service charge if none of the above requirements are met
Open a Savings account
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Higher rates worth your interest

See how our rates stack up against other banks

Frost
Annual Percentage Yield (APY)
Bank of America
Annual Percentage Yield (APY)
Chase
Annual Percentage Yield (APY)
Wells Fargo
Annual Percentage Yield (APY)
$0-14,999.99
0.70% 0.01% 0.01% 0.01%
$15,000 and over
0.90%
0.01%
0.01%
0.01%


Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 07/18/2024. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by:
Information effective 07/17/2024

Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 07/18/2024. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by:
Information effective 07/17/2024

Savings account additional features

  • Can be used as overdraft protection for your checking account
  • Deposits made before 9pm are generally available the next business day
  • Transfer money to and from your account online
  • Unlimited withdrawals and transfers. You are allowed two free withdrawals per month. There will be a $3.00 savings withdrawal fee for each additional withdrawal over two per month.

Bank the way you want

Enjoy higher interest with Frost

We’ve raised our interest rates to some of the highest in the industry. It’s just a little way we say kudos for being great savers.

We understand mistakes happen and emergencies can occur

Good news, you can use your Frost Savings Account or Frost Money Market Account as overdraft protection for your Frost personal checking account to cover those items.

The only time we’ll leave you in the dark

Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too.

Here are a few ways to put your
Frost Savings Account to good use

The funds you deposit here stay liquid so you can access your money to do things like:

Cover auto repairs
Take on house projects
Pay cash for that bike you’ve been eyeing

Experience the Frost difference

At our core, we’re just people helping people. We’re passionate about supporting your financial goals, keeping your money accessible and offering help when you need it.

Real human support
Here for you all day. And all night. Don’t let your financial questions or concerns make you lose sleep. Give us a call 24/7 at (800) 513-7678 or schedule an appointment to see us in person during business hours.
Easy access to your money
Enjoy fee-free ATM withdrawals at H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in Dallas and Tarrant County.
Providing peace of mind
Our technology and security tools, like freezing your card in the app or customizing Debit Card Alerts, are designed to help you feel more in control of your own money.

Still not sure which is the best account for you?

We've put some key details into an easy-to-use chart.

piggy bank

We’re here to guide you

If you’d like to talk through the options, a Frost Banker is just a phone call away.